Dodge Journey Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 3, 2024
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U.S. average insurance rates for a Dodge Journey are $1,284 a year including full coverage. Comprehensive costs on average $250, collision insurance costs $424, and liability costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs around $2,778. Teens pay the highest rates at up to $4,918 a year.
Average premium for full coverage: $1,284
Price estimates by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Journey models.
Price Range from Low to High
For a 40-year-old driver, Dodge Journey insurance prices range from as low as $504 for your basic liability-only policy to the much higher price of $2,778 for a policy for a high-risk driver.
Geographic Price Range
Your location can make a big difference on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how your location can change car insurance rates.
The ranges above highlight why everyone should compare rates based on a specific location and risk profile, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below breaks down average Dodge Journey insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $748
- Drivers who choose higher $1,000 deductibles will pay around $152 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,284
- Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,580
- Drivers with serious driving violations could pay upwards of $2,778
- The price for full coverage for a 16-year-old driver for full coverage may cost $4,918 a year
Insurance prices for a Dodge Journey are also quite variable based on your driving record, the model of your Journey, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age
The state you live in makes a big difference in Dodge Journey insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,830 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,162 | -$122 | -9.5% |
| Alaska | $986 | -$298 | -23.2% |
| Arizona | $1,064 | -$220 | -17.1% |
| Arkansas | $1,284 | -$0 | 0.0% |
| California | $1,462 | $178 | 13.9% |
| Colorado | $1,226 | -$58 | -4.5% |
| Connecticut | $1,320 | $36 | 2.8% |
| Delaware | $1,452 | $168 | 13.1% |
| Florida | $1,606 | $322 | 25.1% |
| Georgia | $1,184 | -$100 | -7.8% |
| Hawaii | $920 | -$364 | -28.3% |
| Idaho | $868 | -$416 | -32.4% |
| Illinois | $956 | -$328 | -25.5% |
| Indiana | $966 | -$318 | -24.8% |
| Iowa | $864 | -$420 | -32.7% |
| Kansas | $1,220 | -$64 | -5.0% |
| Kentucky | $1,752 | $468 | 36.4% |
| Louisiana | $1,900 | $616 | 48.0% |
| Maine | $792 | -$492 | -38.3% |
| Maryland | $1,058 | -$226 | -17.6% |
| Massachusetts | $1,028 | -$256 | -19.9% |
| Michigan | $2,230 | $946 | 73.7% |
| Minnesota | $1,074 | -$210 | -16.4% |
| Mississippi | $1,536 | $252 | 19.6% |
| Missouri | $1,138 | -$146 | -11.4% |
| Montana | $1,378 | $94 | 7.3% |
| Nebraska | $1,012 | -$272 | -21.2% |
| Nevada | $1,540 | $256 | 19.9% |
| New Hampshire | $926 | -$358 | -27.9% |
| New Jersey | $1,434 | $150 | 11.7% |
| New Mexico | $1,136 | -$148 | -11.5% |
| New York | $1,350 | $66 | 5.1% |
| North Carolina | $740 | -$544 | -42.4% |
| North Dakota | $1,052 | -$232 | -18.1% |
| Ohio | $886 | -$398 | -31.0% |
| Oklahoma | $1,318 | $34 | 2.6% |
| Oregon | $1,174 | -$110 | -8.6% |
| Pennsylvania | $1,224 | -$60 | -4.7% |
| Rhode Island | $1,712 | $428 | 33.3% |
| South Carolina | $1,162 | -$122 | -9.5% |
| South Dakota | $1,082 | -$202 | -15.7% |
| Tennessee | $1,124 | -$160 | -12.5% |
| Texas | $1,548 | $264 | 20.6% |
| Utah | $950 | -$334 | -26.0% |
| Vermont | $878 | -$406 | -31.6% |
| Virginia | $768 | -$516 | -40.2% |
| Washington | $992 | -$292 | -22.7% |
| West Virginia | $1,176 | -$108 | -8.4% |
| Wisconsin | $888 | -$396 | -30.8% |
| Wyoming | $1,144 | -$140 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $450 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 additional each year, depending on your age. Dodge Journey insurance for high-risk drivers can cost from 43% to 130% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Journey SE 2WD | $1,178 | $98 |
| Dodge Journey SXT 2WD | $1,212 | $101 |
| Dodge Journey R/T 2WD | $1,284 | $107 |
| Dodge Journey SXT Crew 2WD | $1,284 | $107 |
| Dodge Journey SXT AWD | $1,284 | $107 |
| Dodge Journey R/T AWD | $1,320 | $110 |
| Dodge Journey SXT Crew AWD | $1,320 | $110 |
Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Dodge Journey | $250 | $424 | $452 | $1,284 |
| 2019 Dodge Journey | $240 | $400 | $456 | $1,254 |
| 2018 Dodge Journey | $230 | $358 | $460 | $1,206 |
| 2017 Dodge Journey | $214 | $330 | $460 | $1,162 |
| 2014 Dodge Journey | $186 | $268 | $474 | $1,086 |
| 2013 Dodge Journey | $182 | $244 | $478 | $1,062 |
| 2012 Dodge Journey | $170 | $222 | $474 | $1,024 |
| 2011 Dodge Journey | $160 | $202 | $474 | $994 |
| 2010 Dodge Journey | $154 | $182 | $468 | $962 |
| 2009 Dodge Journey | $152 | $178 | $460 | $948 |
Rates are averaged for all Dodge Journey models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Affordable Dodge Journey Insurance
Getting lower rates on insurance for a Dodge Journey not only requires avoiding accidents and violations, but also having a good credit history, being claim-free, and dropping full coverage on older vehicles. Invest the time to shop around every year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a brief review of the coverage data illustrated above.
- You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $450 each year
- Teenagers pay higher prices, possibly costing $410 a month including comprehensive and collision insurance
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,490 more each year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,918 |
| 20 | $2,956 |
| 30 | $1,328 |
| 40 | $1,284 |
| 50 | $1,174 |
| 60 | $1,150 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,580 |
| $250 | $1,442 |
| $500 | $1,284 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,284 |
| 50/100 | $1,410 |
| 100/300 | $1,523 |
| 250/500 | $1,817 |
| 100 CSL | $1,456 |
| 300 CSL | $1,704 |
| 500 CSL | $1,885 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,992 |
| 20 | $4,712 |
| 30 | $2,824 |
| 40 | $2,778 |
| 50 | $2,652 |
| 60 | $2,628 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $68 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $55 |
| Advance Quote | $62 |
| Online Quote | $90 |
| Total Discounts | $536 |
Discounts are estimated and may not be available from every company or in every state.
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